Find the best fixed mortgage rates in Canada

With over two decades in lending and underwriting, I've seen firsthand how government bond yields play a central role in shaping Canada’s 5-year fixed mortgage rates—currently holding them above 4%. The lowest insured rate right now is at 4.09%. It’s important to remember that fixed mortgage rates move with bond yields, not the overnight rate. While variable rates are lower at the moment, many are steering clear due to the uncertainty around payment changes. My experience navigating countless deals has shown me that understanding these dynamics is key to finding the right fit for your mortgage needs.